Demo Small Finance Bank · XXXXXXXX5582
Statement report
- Report id
- stm_01JD4K9F2M
- Analysed
- 06 Nov 2026, 18:47 IST
- Source
- current_acct_q2.xlsx
- XLSX · 1 sheet · 284 KB
- Processing
- 1.3 s
- consent cns_05N29F2M
Indicators only. Not a determination of fraud or mule activity. Scores summarise statistical patterns in the statement and must be combined with your own due diligence before any decision.
Suspicious activity indicators
Risk score
A score of 52 places this statement in the medium band. Some indicators were observed, chiefly split cash deposits and late-night velocity. Consider reviewing the flagged rows alongside the applicant's declared profile.
Weighted reasons
- 01Split cash depositsCASH_SPLIT_DEPOSITSw 0.17
9 cash deposits of ₹40,000 to ₹49,000 within 4 days
- 02Late-night velocityNIGHT_VELOCITYw 0.11
18% of UPI credits between 23:00 and 05:00 IST
- 03Many senders, few beneficiariesMANY_TO_ONEw 0.08
62% of debits go to 4 beneficiaries
Extracted
Account details
- Holder
- M•••• T•••••• (Proprietor)
- Bank
- Demo Small Finance Bank
- Account no.
- XXXXXXXX5582
- IFSC
- DMSF0000812
- Type
- Current
- Period
- 01 Jun 2026 to 31 Oct 2026
Parsed totals
Summary
- Transactions
- 2,210
- Total credits
- ₹38,10,450.00
- Total debits
- ₹37,52,990.60
- Net flow
- ₹57,459.40
- Opening bal.
- ₹1,20,440.00
- Closing bal.
- ₹1,77,899.40
- Avg EOD bal.
- ₹96,210.00
- Counterparties
- 1,460
- Integrity
- 13 / 13 passed
Tamper and consistency
Integrity checks
- Metadata and producerPDF_PRODUCER
PDF producer/creator matches the issuing bank's known generators; flags consumer editors.
- Edit timestampMODIFIED_AFTER_CREATE
Modification date is not later than creation date.
- Font consistencyFONT_CONSISTENCY
Glyph sets and font objects are consistent across rows and pages.
- Text layer presentTEXT_LAYER
Statement has a native text layer, not only scanned images.
- Layout matches bank templateTEMPLATE_MATCH
Column layout, headers and footers match the issuing bank's format.
- Page count and sequencePAGE_COUNT
Page numbering is continuous and matches the declared total.
- Running balance continuityRUNNING_BALANCE
Each row's balance equals the previous balance plus credit minus debit.
- Opening and closing totalsOPENING_CLOSING
Opening balance plus net movement equals the closing balance.
- Date orderDATE_ORDER
Transaction dates are monotonic and fall inside the statement period.
- Duplicate transaction IDsDUPLICATE_TXN_ID
Reference numbers (UTR/RRN) are not repeated across rows.
- Summary arithmeticARITHMETIC_TOTALS
Printed totals equal the sum of parsed rows.
- IFSC and branchIFSC_VALID
IFSC format is valid and consistent with the bank name on the statement.
- Digital signatureDIGITAL_SIGNATURE
Embedded signature, when present, validates and covers the whole document.
Cash flow
Monthly inflow and outflow
- Retained
- 1.51% of inflow
- Avg monthly inflow
- ₹7.6 L
Parsed rows, flagged rows highlighted
Transactions
| Date | Mode | Narration | Debit | Credit | Balance |
|---|---|---|---|---|---|
| 01 Jun 202609:00 | UPI | UPI/CR/133304107352/upi•••25@okbank | ₹1,183.89 | ₹1,21,623.89 | |
| 01 Jun 202621:01 | UPI | UPI/CR/293863032874/upi•••52@okpay | ₹2,448.20 | ₹1,24,072.09 | |
| 02 Jun 202614:00 | UPI | UPI/CR/167298353160/upi•••66@okbank | ₹2,300.20 | ₹1,26,372.29 | |
| 03 Jun 202602:36 | UPI | UPI/CR/433640363463/upi•••81@okupiNIGHT_VELOCITY· Late-night velocity | ₹187.76 | ₹1,26,560.05 | |
| 03 Jun 202615:27 | UPI | UPI/CR/157507052249/upi•••92@okbank | ₹3,044.34 | ₹1,29,604.39 | |
| 04 Jun 202608:00 | NEFT | NEFT/DR/969615087611/SUPPLIER TRADERS | ₹11,170.36 | ₹1,18,434.03 | |
| 06 Jun 202612:28 | UPI | UPI/CR/660384934651/upi•••60@okupi | ₹158.48 | ₹1,18,592.51 | |
| 06 Jun 202622:40 | UPI | UPI/CR/842980292649/upi•••64@okaxis | ₹1,216.54 | ₹1,19,809.05 | |
| 07 Jun 202605:44 | NEFT | NEFT/DR/906432097405/SUPPLIER AGENCIES | ₹22,646.11 | ₹97,162.94 | |
| 08 Jun 202612:46 | IMPS | IMPS/DR/179531112825/benf•••09@yblPASS_THROUGH· Rapid pass-through | ₹9,721.36 | ₹87,441.58 | |
| 09 Jun 202620:26 | NEFT | NEFT/DR/911573535855/SUPPLIER AGENCIES | ₹37,996.14 | ₹49,445.44 | |
| 10 Jun 202622:58 | UPI | UPI/CR/406285462551/upi•••68@okupi | ₹636.76 | ₹50,082.20 | |
| 11 Jun 202605:32 | CASH | CASH DEP/BRANCH | ₹80,000.00 | ₹1,30,082.20 | |
| 12 Jun 202600:03 | CASH | CASH DEP/BRANCH | ₹80,000.00 | ₹2,10,082.20 | |
| 13 Jun 202608:52 | NEFT | NEFT/DR/957253125309/SUPPLIER TRADERSMANY_TO_ONE· Many senders, few beneficiaries | ₹10,934.44 | ₹1,99,147.76 |
120 rows in this sample of 120. Full statement has 2,210 parsed transactions (fetch them via the transactions endpoint).
Indicators only. Not a determination of fraud or mule activity. Scores summarise statistical patterns in the statement and must be combined with your own due diligence before any decision.